I've been having this debate with myself (I used to be schizophrenic but now ... who said that
) I don't think I would be happy with the 18-55 kit lens so have been comparing these bodies with the 17-85 IS lens.
There is only about £100 between these two options in Jessops or most online retailers. I like the smaller size of the 350D but the 20D has as better feel/build quality about it as well as been a bit faster and instinctively I feel this is the better buy.
I'm going to In Focus at the NEC later this month and will try to make my mind up.